Houston Bankruptcy Attorney
Call for a Free Consultation 713.481.0022
Determine If You're Eligible For Chapter 7 Eliminate Most of Your Debt & Retain Your Assets

Chapter 7 Bankruptcy Lawyer in Houston, TX

Bankruptcy is an intimidating prospect. However, if loans, bills, and other forms of debt have you completely overwhelmed with no chance of recovery, bankruptcy may be a viable option. With the help of a skilled Houston Ch. 7 bankruptcy lawyer, you can navigate the bankruptcy process and start working on overcoming your circumstances! At Phillip H. Trueba, Attorney at Law, you receive personal attention from a passionate lawyer and caring staff. We have a thorough understanding of the means test, bankruptcy exemptions, and related matters. Our prices are upfront and honest - you won't be surprised by hidden fees.

Addressing your debt is possible. Call (713) 481-0022 for a free consultation.

Understanding Chapter 7

In order to qualify for Chapter 7, you may need to first pass a means test. If your income is below the state median for your household, you may be immediately eligible to file Chapter 7. If your income is above the median level, Phillip Trueba can help you determine your eligibility and maximize your ability to qualify by capturing all manners of expenses that may be used to rebut the presumption of ineligibility.

Chapter 7 bankruptcy essentially allows debtors to take advantage of a "fresh start" in that there is no debt repayment plan whatsoever, if you qualify. Chapter 7 cases often span only several months and provide the opportunity to discharge personal debts at the conclusion of the case.

In Chapter 7 bankruptcy, certain debts cannot be discharged such as:

  • Fraudulent debts
  • Student loans
  • Certain taxes
  • Alimony
  • Child Support

The law office will help you determine which debts can or cannot be discharged in your bankruptcy case. The majority of Chapter 7 cases involve a debtor with large credit card or other types of unsecured debts and few assets. In most case, Chapter 7 bankruptcy can allow a person to eliminate or “discharge” a majority of their debt, while using state or federal exemptions in order to retain your assets.

Free Consultation with Trusted Houston Bankruptcy Attorney

Unfortunately, dealing with creditors is unavoidable, so you want to make sure you are doing it on your own terms, and bankruptcy can be an invaluable tool in doing so. With 20+ years of experience, Phillip H. Trueba can help you pursue Chapter 7 bankruptcy and work on obtaining a fresh start. Your creditors have attorneys to pursue their interests, and you should as well. We hold an A+ rating from the Better Business Bureau because of experience, proven ability, and success. Be proactive and take control of your finances by calling for your free consultation today!

Call (713) 481-0022 for more information. We are here to help.

A Bankruptcy Law Firm Known for Excellence

  • 20+ Years of Helping Clients Reach a Fresh Start

  • Individualized, One-on-One Service for Each Client

  • Always Accessible & Weekend Appointments Offered

  • A+ Rating from the Better Business Bureau

What Our Clients Are Saying

Past Clients Share Their Experience
  • “Phillip was extremely kind and attentive to both my situation and my apprehension. He was very supportive and offered excellent advice throughout the process.”

    Dale
  • “He was always happy to answer my many questions and very patient. I appreciated the fact that he was quick to call me back or respond to my emails or texts during the process.”

    Former Client
  • “He also listens and allows me to voice my concerns. He is not judgmental of my situation and sincerely wants to help improve my life.”

    Blackdove H.
  • “After the bankruptcy was finalized, I received all my paperwork on it and he even followed up with me to make sure there were no more issues to deal with.”

    Bruce S.
  • “He listened to me and knew my case would be a difficult one but only came up with solutions....not excuses.”

    B.Y.
  • “Guided me through the whole process in a very professional and friendly matter.”

    Alfonso C.
  • “He works with you and walks you through the entire process, always helping you maintain a positive attitude.”

    Nancy P.
  • “Mr. Phillip Trueba is a wonderful attorney. Definitely made feel at ease with this entire process.”

    Lisa C.
  • “He made the process so easy. He explained everything to where normal people could understand the legal terms. ”

    Tom M.
  • “He will deliver a positive results.”

    Jerry P.
  • “Customer service, moral support, and accuracy; is his stamp of greatness. I feel that he strives to provide excellent service for me and all of his clients, all the time.”

    Zeenethia H.
  • “Attorney Trueba knew I was upset that this has happened in my life. He's compassionate and does not complicate things.”

    Randy L.

Contact Us To Get Started

Free Bankruptcy Evaluation to Review Your Options
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